Houses for Sale near Seaside Charter North Campus

• 

  

  

  /37

  $349,900

  • 3 Beds
  • 2 Baths
  • 1,969 Sq Ft

  1941 Wages Way, Jacksonville, FL 32218

  ZERO DOWN PAYMENT~100% FINANCING!!!! CRISP, CLEAN, AND MOVE-IN READY! Welcome to this beautifully maintained 3-bedroom, 2-bath + OFFICE home offering comfort, style, and a functional layout. A charming covered entry sets the tone for the inviting interior.Step inside to a bright, open living space filled with natural light—perfect for both entertaining and everyday living. Luxury vinyl plank

  Christine Bouchard HOMESMART

  1941 Wages Way, Jacksonville, FL 32218
• 

  

  

  /19

  $420,000

  • 4 Beds
  • 3.5 Baths
  • 1,568 Sq Ft

  565 Starratt Rd, Jacksonville, FL 32218

  Opportunity is knocking to design this home with great rental potential! Property was getting $3500/month rental income before remodel. Nestled on nearly half an acre, this single-family home offers just the right blend of comfort, space, and flexibility.The main home is cozy and functional, perfect for first-time buyers, downsizers, or anyone looking for a peaceful place to call their own.

  Valerie Blair REMAX MARKET FORCE

  565 Starratt Rd, Jacksonville, FL 32218
• 

  

  

  /36

  $225,000

  • 3 Beds
  • 1.5 Baths
  • 1,144 Sq Ft

  11533 Soforenko Dr, Jacksonville, FL 32218

  LOOKING FOR A VERY WELL MAINTANED HOME IN A GOOD NEIGHBORHOOD, COME AND VIEW THIS HOME. EATIN KITCHEN. SEPERATE DINING ROOM AND LIVING ROOM. COMMON BATHROOM HAS BEEN REMODELED. FENCED-IN BACKYARD AND A CARPORT. COME AND SEE.

  Don Oxley WATSON REALTY CORP

  11533 Soforenko Dr, Jacksonville, FL 32218
• 

  

  

  /3

  $125,000

  • 2 Beds
  • 1 Bath
  • 560 Sq Ft

  4112 Rogers Ave, Jacksonville, FL 32208

  SELLER BOUGHT THIS HOME TO MODIFY IT TO HIS FAMILIES NEEDS. HIS INTERESTS HAVE CHANGED AND HE'S NOW SELLING THIS .91 ACRE PROPERTY. THERE ARE PLANS ON MLS UNDER THE DOCUMENT TABOF THE REMODEL HE HAD PLANNED, AS WELL AS EXISTING MATERIALS BEING STORED IN THE HOME.

  Don Oxley WATSON REALTY CORP

  4112 Rogers Ave, Jacksonville, FL 32208
• 

  

  

  /18

  $227,000

  • 3 Beds
  • 2 Baths
  • 1,143 Sq Ft

  1436 Bassett Rd, Jacksonville, FL 32208

  NEWLY RENOVATED, come see this beautiful home that is tucked into a quiet street just a short walk away from the Trout River. This charming home is just what you have been looking for! Pulling into the street you notice the newly painted home with steps walking up to the home. Stepping in, you see the new vinyl flooring that shines bright from the sunlight gleaming in through the new windows. It

  HANNAH RUKAB NETWORTH REALTY OF JACKSONVILLE, LLC

  1436 Bassett Rd, Jacksonville, FL 32208
• 

  

  /48

  $345,000

  • 3 Beds
  • 3 Baths
  • 1,920 Sq Ft

  1842 Hubbard St, Jacksonville, FL 32206

  This beautiful home in the heart of Historic Springfield seamlessly blends modern updates with timeless charm. Zoned HVAC systems provide efficient comfort throughout, with a brand new HVAC unit just installed April 2025 upstairs. A water softener adds to the home's thoughtful upgrades, while the metal roof offers both durability and classic appeal. With three bedrooms and three full bathrooms,

  Brooke Bohall COMPASS FLORIDA LLC

  1842 Hubbard St, Jacksonville, FL 32206
• 

  

  /16

  $250,000

  • 4 Beds
  • 2 Baths
  • 1,774 Sq Ft

  3172 Sedona Trail, Jacksonville, FL 32208

  Seller is highly motivated—open to all offers! This 4 bedroom, 2 bath home sits on a quiet street with serene pond/lake views. Inside, you'll find a spacious open layout with a kitchen that seamlessly connects to the family room, along with separate formal dining and living areas. The primary suite offers a double vanity, garden tub and separate shower. Tile and laminate flooring run throughout

  KRISHAWN SANDERS GAILEY ENTERPRISES LLC

  3172 Sedona Trail, Jacksonville, FL 32208
• 

  

  /27

  $290,000

  • 3 Beds
  • 2 Baths
  • 1,704 Sq Ft

  1288 Turtle Creek Dr S, Jacksonville, FL 32218

  NEWLY RENOVATED this gorgeous 3-bedroom, 2-bathroom home with an office is exactly what you've been dreaming of. A few highlights to mention are the 2021 ROOF, NEW WATER HEATER, NEW ELECTRICAL PANEL and so much more. Stepping inside you'll be welcomed by a wide-open living room that radiates with natural light. You'll fall in love with the French doors leading to a spacious office. Adjacent to

  Hieu Nguyen FLORIDA HOMES REALTY & MTG LLC

  1288 Turtle Creek Dr S, Jacksonville, FL 32218
• 

  

  /31

  $176,900

  • 3 Beds
  • 2 Baths
  • 992 Sq Ft

  6422 Kathryn Dr, Jacksonville, FL 32208

  Amazing opportunity to own this beautifully renovated affordable home. NO HOA/CDD. Plenty of natural lighting in living space. New tiled and vinyl floors throughout. New kitchen cabinets with Granite countertops. Updated bathrooms. 2025 Rewire and updated plumbing. New stainless steel appliances. Roof 2025. New HVAC, 2025 Water Heater. Spacious back yard to entertain family and guests. Partially

  Emanuel Shllaku MOMENTUM REALTY

  6422 Kathryn Dr, Jacksonville, FL 32208
• 

  

  /12

  $125,000

  • 3 Beds
  • 1 Bath
  • 1,231 Sq Ft

  2168 W 14th St, Jacksonville, FL 32209

  3 bedroom/ 1 bathroom home. This was previously used as a rental. Roof is new as it was just installed.Pictures are recent.Seller or agent do not know any thing of the home including ac/ electrical/ etc.Vacant and easy to show.

  Andrew Nebesnyk MOMENTUM REALTY

  2168 W 14th St, Jacksonville, FL 32209
• 

  

  /42

  $299,000

  • 3 Beds
  • 2.5 Baths
  • 1,359 Sq Ft

  358 Annies Place, Jacksonville, FL 32218

  Welcome to your dream home! This beautifully updated 3-bedroom, 2.5-bathroom townhome offers the perfect blend of comfort, style, and convenience. Nestled along a scenic nature preserve. Step inside to find a bright, open floor plan with upgraded finishes throughout. The spacious living area flows seamlessly into the modern kitchen, complete with stainless steel appliances, quartz countertops,

  Savannah Dougherty ONE SOTHEBYS INTERNATIONAL REALTY

  358 Annies Place, Jacksonville, FL 32218
• 

  

  /18

  $235,000

  • 3 Beds
  • 2 Baths
  • 1,555 Sq Ft

  3135 Sedona Trail, Jacksonville, FL 32208

  Welcome to 3135 Sedona Trail, a beautifully maintained one-owner home located in the Timber Oak community of Jacksonville. This inviting residence features luxury vinyl plank and tile flooring throughout all living spaces and the primary bedroom, offering both durability and style. The home also boasts a newer roof and HVAC system, both installed in 2021. Added security features bring extra peace

  Susan Timmons Momentum Realty

  3135 Sedona Trail, Jacksonville, FL 32208
• 

  

  /43

  $349,000

  • 5 Beds
  • 2.5 Baths
  • 2,304 Sq Ft

  5719 Saint Isabel Dr, Jacksonville, FL 32277

  Take a look at this charming home in the University Park neighborhood in close proximity to Jacksonville University, Blue Cypress Park, and a public boat ramp. This 5-bedroom, 2.5 bath gem, located on a quiet street with no HOA, has been upgraded, renovated, and is just waiting for new owners. It offers everything you need in a home: versatile floor plan, spacious bedrooms, remodeled kitchen,

  Heather Stoll ERA ONETEAM REALTY

  5719 Saint Isabel Dr, Jacksonville, FL 32277
• 

  

  /33

  $264,500

  • 2 Beds
  • 2 Baths
  • 1,204 Sq Ft

  333 E 18th St, Jacksonville, FL 32206

  **MOTIVATED SELLER**NO HOA**BUYER CC CREDITS OFFERED** Nestled in the vibrant Springfield neighborhood, this charming home boasts a fantastic location. Experience the unique charm of a beautifully maintained 1924 residence, offering a blend of historical character and modern updates. This delightful home features 2 beds/2 baths, perfectly situated just minutes from local shopping, dining, and the

  Chad Neumann CHAD AND SANDY REAL ESTATE GROUP

  333 E 18th St, Jacksonville, FL 32206
• 

  

  /21

  $179,900

  • 4 Beds
  • 2 Baths
  • 1,251 Sq Ft

  2103 W 14th St, Jacksonville, FL 32209

  Welcome to this beautifully renovated 4-bedroom, 2-bathroom home on a spacious corner lot in Jacksonville's revitalizing East Grand Park neighborhood!This property features a thoughtful redesign, including a brand-new fourth bedroom and second bathroom with a private entry, perfect for a guest suite or rental.The open-concept layout connects the kitchen, dining, and living areas, complemented by

  Eduardo Gracia Lopez DALTON WADE INC

  2103 W 14th St, Jacksonville, FL 32209
• 

  

  /30

  $200,000

  • 3 Beds
  • 3 Baths
  • 2,169 Sq Ft

  236 Renne Dr N, Jacksonville, FL 32218

  Investor Special with Major Upgrades Already Completed! This spacious 3-bedroom, 3-bathroom, home offers 2,169 sq ft of potential, ready for your finishing touches, including an extra room for another bedroom, or office. Built in 1962, the property boasts fully framed walls and several key updates already done for you: New roof (4 years old), brand-new windows, updated electrical and plumbing

  Amy Carey MARK SPAIN REAL ESTATE

  236 Renne Dr N, Jacksonville, FL 32218
• 

  

  /31

  $259,000 Open Sat 12PM - 2PM

  • 4 Beds
  • 3 Baths
  • 2,170 Sq Ft

  9408 Evesham Rd, Jacksonville, FL 32208

  BACK ON THE MARKET, PREVIOUS BUYER FINANCING FELL THROUGH! Discover your new home! This charming brick residence is situated on a highly sought after corner lot featuring 4 bedrooms and 3 full baths with stand up showers. Private access to the owners suite. Separate living room, dining area, and den with a fire place. Newer roof with added solar panels that are free and clear. Fenced in backyard,

  BRITTANY GOLDEN B. GOLDEN REALTY LLC

  9408 Evesham Rd, Jacksonville, FL 32208
• 

  

  /16

  $280,000

  • 4 Beds
  • 3 Baths
  • 1,800 Sq Ft

  11073 V C Johnson Rd, Jacksonville, FL 32218

  Newly renovated 5 bedroom 3 bathroom home on Jacksonvilles Northside. Move in Ready! This home features New Roof, New Kitchen, Newly updated bathrooms, New flooring, Fixtures and so much more. The space is crazy and the yard is a nice size perfect for entertaining! Seller is Motivated!

  Jessica Santiago Jones UNITED REAL ESTATE GALLERY

  11073 V C Johnson Rd, Jacksonville, FL 32218
• 

  

  /17

  $217,000

  • 3 Beds
  • 2 Baths
  • 1,596 Sq Ft

  9150 1st Ave, Jacksonville, FL 32208

  🏡 Northside Charm + Easy Financing! Own this gem with a 600 credit score—thanks to Mortgage Owl Mortgage Co, you could qualify for an FHA 0% Down Mortgage today! 💸 Plus, DPA is available for scores starting at 580!This beautifully maintained home features 3 spacious bedrooms, 2 full baths, and an upstairs bonus room for guests, hobbies, or quiet retreats.

  Charles Gaulden ONE WORLD REALTY

  9150 1st Ave, Jacksonville, FL 32208
• 

  

  /43

  $325,000

  • 3 Beds
  • 2.5 Baths
  • 1,874 Sq Ft

  1269 Ribault River Dr, Jacksonville, FL 32208

  Back on Market, due to Buyer default. Waterfront Living without the price tag! Gorgeous Trout Creek views. NOT in a flood zone. Welcome to this beautifully updated 3-bedroom, 2.5-bath home where modern elegance meets everyday comfort. Step into a freshly painted interior with crisp trim, stylish LED lighting, and new luxury vinyl plank flooring throughout. The fully remodeled kitchen features

  LAURA URBAN UNITED REAL ESTATE GALLERY

  1269 Ribault River Dr, Jacksonville, FL 32208
• 

  

  /13

  $147,990

  • 4 Beds
  • 2 Baths
  • 1,410 Sq Ft

  8534 Addison Rd, Jacksonville, FL 32208

  Seller will contribute $5,000 towards closing costs. Charming Starter Home with Endless Potential!Looking for a project to make your own? This 4br 2ba home is the perfect opportunity for first-time buyers, investors, or DIY enthusiasts. This property offers a solid foundation with plenty of potential to add your personal touch and provides even more options for expansion or creative

  TANIA HIDALGO SUNCOAST PROPERTY MANAGEMENT LLC

  8534 Addison Rd, Jacksonville, FL 32208
• 

  

  /12

  $122,000

  • 3 Beds
  • 2 Baths
  • 1,224 Sq Ft

  1856 W 27th St, Jacksonville, FL 32209

  This charming single-family home features 3 bedrooms and 2 bathrooms with central AC, stucco-over-frame construction, and was freshly painted in May 2023. Currently tenant-occupied through April 2026 at $1,100/month, this property offers reliable rental income from day one. Conveniently located just 9 minutes from Downtown Jacksonville, 14 minutes from Florida State College, and close to Gateway

  Moses Nae VIRTUALTY REAL ESTATE

  1856 W 27th St, Jacksonville, FL 32209
• 

  /2

  $265,000

  • 3 Beds
  • 2 Baths
  • 1,839 Sq Ft

  4114 Harbor View Dr, Jacksonville, FL 32208

  You may qualify for $5,000 PNC Grant for closing costs. Discover the perfect blend of classic charm and modern updates in this beautifully renovated brick home nestled along the scenic Ribault River. This 3-bedroom, 2-bath home offers captivating water views right from your living and dining space, creating a peaceful backdrop for everyday living.The kitchen is both stylish and

  MARVA KEENE DREAM BIG REALTY OF JAX LLC

  4114 Harbor View Dr, Jacksonville, FL 32208
• 

  

  /15

  $234,900

  • 3 Beds
  • 2 Baths
  • 2,644 Sq Ft

  2027 Courtney Dr, Jacksonville, FL 32208

  Discover the perfect blend of comfort and charm in this delightful 3-bedroom, 2-bathroom multi-level home, offering an abundance of space both inside and out.The heart of this home is the expansive family room that stretches across the back of the house, featuring a cozy wood-burning fireplace—perfect for gathering on chilly winter evenings.Homes like this don't come around often!

  SONYA ROSS MIDTOWNE REALTY GROUP INC

  2027 Courtney Dr, Jacksonville, FL 32208
• 

  

  /23

  $188,900

  • 4 Beds
  • 2 Baths
  • 1,140 Sq Ft

  3181 Brasque Dr, Jacksonville, FL 32209

  Discover this recently updated 4 bedroom, 2 bathroom home located in the heart of Jacksonville with easy access to I-295 and downtown Jacksonville. Featuring a brand new roof and HVAC system, this property offers low maintenance living or strong rental potential.Inside, you'll find a functional floor plan with spacious bedrooms and ample natural light. The home sits on a generous lot with an

  Joseph Caruso CENTURY 21 LIGHTHOUSE REALTY

  3181 Brasque Dr, Jacksonville, FL 32209
• 

  

  /36

  $155,000

  • 3 Beds
  • 1 Bath
  • 952 Sq Ft

  9055 3rd Ave, Jacksonville, FL 32208

  NEW PRICE with a $5,000 reduction on this recently renovated & move-in ready home that's ready for immediate occupancy. Updated concrete block home located on a super cute street with many newer homes. This offers a turnkey opportunity for either a new Homeowner or an Investor. Interior features a New Kitchen including new Appliances, Cabinets & Countertops. Home also boasts updated tile flooring

  WHITNEY STARLING BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

  9055 3rd Ave, Jacksonville, FL 32208
• 

  

  /12

  $175,000

  • 3 Beds
  • 2 Baths
  • 1,336 Sq Ft

  1203 W 28th St, Jacksonville, FL 32209

  Prime Investment OpportunityCentrally located near I-95, this property offers easy access to shopping, dining, and medical facilities. It needs some TLC, but with a little work, it has great potential to become a standout investment.

  Debbie Trey ERA ONETEAM REALTY

  1203 W 28th St, Jacksonville, FL 32209
• 

  

  /17

  $240,000

  • 3 Beds
  • 2 Baths
  • 1,678 Sq Ft

  4906 Chivalry Dr, Jacksonville, FL 32208

  Welcome to this beautifully updated, all-brick ranch! Nestled on an oversized lot with mature oak trees, this home offers the perfect outdoor setting for relaxing summer nights on two spacious patios. Inside, a sunlit living room overlooks the expansive front yard. The remodeled interior flows from the living room to the dining area and into the modern kitchen featuring new cabinetry, sleek

  ASHLEY LINDER DREAM BIG REALTY OF JAX LLC

  4906 Chivalry Dr, Jacksonville, FL 32208
• 

  

  /13

  $94,000

  • 2 Beds
  • 1 Bath
  • 952 Sq Ft

  8726 4th Ave, Jacksonville, FL 32208

  This 2bedroom 1bathroom home offers great potential and is ready for someone to add their vision and make it shine .The home itself features a cozy layout , with a functional living space .The property also includes a storage shed with washer/dryer hookup, and additional space for tools equipment ,or seasonal items.

  SOMMER BRITTON GEORGE BARNES REALTY SALES AND PROPERTY MANAGEMENT

  8726 4th Ave, Jacksonville, FL 32208
• 

  

  /23

  $185,000

  • 3 Beds
  • 2 Baths
  • 1,150 Sq Ft

  4651 Roanoke Blvd, Jacksonville, FL 32208

  Back on the market! Beautiful, modern, practical, and move-in ready! FHA or VA ok. Come tour this 3/2 bath home in Sherwood Forest. Seller will offer 5K towards closing costs.Nice floor plan, abundant natural light, great flow, and plenty of storage space. Some hard-to-find features this home offers are: an inside laundry room, a carport, a large fenced yard, an RV or large truck parking

  Lionel Alomia FLORIDA REALTY INVESTMENTS

  4651 Roanoke Blvd, Jacksonville, FL 32208
• 

  

  /37

  $199,000

  • 3 Beds
  • 1.5 Baths
  • 1,214 Sq Ft

  6831 Rhone Dr, Jacksonville, FL 32208

  Come see this single-family, detached ranch-style home located on a corner lot in the ''Ribault Manor'' neighborhood. The home offers a living room, an additional space for extra living area, an open kitchen, a primary bedroom with a half bath, an indoor utility area and a fenced yard.

  Derek Eisenberg CONTINENTAL REAL ESTATE GROUP

  6831 Rhone Dr, Jacksonville, FL 32208
• 

  

  /18

  $175,000

  • 3 Beds
  • 1 Bath
  • 1,022 Sq Ft

  9265 Danville Ave, Jacksonville, FL 32208

  Walk into instant equity! Step into this fully updated 3-bed, 1-bath home where modern style meets everyday comfort. Enjoy the beauty and durability of brand-new lvp flooring throughout, complemented by fresh, neutral paint that makes the space feel light, bright, and welcoming. The remodeled kitchen is a true standout, featuring new cabinets, sparkling quartz countertops, new stainless steel

  THEODORE FULGER DJ & LINDSEY REAL ESTATE

  9265 Danville Ave, Jacksonville, FL 32208
• 

  

  /10

  $174,900

  • 3 Beds
  • 1 Bath
  • 914 Sq Ft

  11764 Raven Dr W, Jacksonville, FL 32218

  Three bedroom, one bath home ready for a new homeowner's personal touch! With no carpet throughout, the home offers easy maintenance and a clean, contemporary feel—great for those with pets or allergies. Natural light fills the space. Located in a quiet, established neighborhood close to schools, shopping, and major commuter routes. Whether you're a first-time buyer, downsizing, or looking for a

  Robert Salmons ENTERA REALTY LLC

  11764 Raven Dr W, Jacksonville, FL 32218
• 

  

  /32

  $385,000

  • 6 Beds
  • 3 Baths
  • 3,242 Sq Ft

  2541 Grand St, Jacksonville, FL 32208

  Historic Grandeur Along the Ribault River!The charming screened-in front porch offers tranquil water views or cast a fishing line just steps from your front door. This 1924 historic marvel 6-bedroom, 3-bath residence is steeped in character & rests gracefully on a generous corner lot spanning over 3/4 of an acre. Inside, you'll discover original heart pine flooring, dual staircases, & 2

  Janie Coffey EXP REALTY, LLC

  2541 Grand St, Jacksonville, FL 32208
• 

  

  /11

  $185,000

  • 4 Beds
  • 2 Baths
  • 1,056 Sq Ft

  8855 Yeoman Dr, Jacksonville, FL 32208

  This lovely 4/2 newly updated concrete block home has a large fenced backyard and ample space for parking in front of your home.

  DENISE TURNER, PA FUTURE HOME REALTY INC

  8855 Yeoman Dr, Jacksonville, FL 32208
• 

  

  /17

  $130,000

  • 3 Beds
  • 2 Baths
  • 1,278 Sq Ft

  1651 W 34th St, Jacksonville, FL 32209

  This cozy 3 bedroom, 2 bathroom features a fenced yard and sturdy construction. perfect for first time home buyers as well as for investors. The property is being sold AS IS.

  ESWALD FERTIL INI REALTY

  1651 W 34th St, Jacksonville, FL 32209
• 

  

  /26

  $299,000

  • 3 Beds
  • 2.5 Baths
  • 2,253 Sq Ft

  217 Amber Ridge Rd, Jacksonville, FL 32218

  Welcome to this charming 3-bedroom, 2.5-bathroom home located at 217 Amber Ridge Road in Jacksonville, FL. Featuring spacious living areas, a modern kitchen, a private backyard, and a 2 car garage, this home offers the perfect blend of comfort and convenience. Located in a desirable neighborhood with easy access to shopping, dining, and major highways. Don't miss the opportunity to make this your

  MICHAEL PECHACEK II MARK SPAIN REAL ESTATE

  217 Amber Ridge Rd, Jacksonville, FL 32218
• 

  

  /22

  $124,300

  • 3 Beds
  • 1 Bath
  • 888 Sq Ft

  6645 Cleveland Rd, Jacksonville, FL 32209

  Beautiful Concrete Block Home - Perfect for Living or Investing!This solid concrete block on slab home offers a bright open layout with a beautiful, functional design. Featuring 3 spacious bedrooms and 1 full bathroom, it's ideal for both homeowners and investors. Nestled in a great location close to everything, this property is perfect as a primary residence or an income-producing

  Kal Zalloum ZALLOUM REALTY LLC

  6645 Cleveland Rd, Jacksonville, FL 32209
• 

  

  /23

  $318,900

  • 3 Beds
  • 2 Baths
  • 1,714 Sq Ft

  11624 Palladio Way, Jacksonville, FL 32218

  From the moment you step in, you will know you are at home! Built in 2022, this home is as good as new with an open-concept layout, elegant quartz countertops leading to a spacious kitchen with an oversized island and matching stainless steel appliances, a formal dining and a separate eat-in area and so much more,Featuring 3 bedrooms and 2 bathrooms, this home boasts a desirable split

  Justin McCahill ROUND TABLE REALTY

  11624 Palladio Way, Jacksonville, FL 32218
• 

  

  /20

  $54,900

  • 2 Beds
  • 1 Bath
  • 822 Sq Ft

  636 Lawton Ave, Jacksonville, FL 32208

  Calling all Cash or Hard Money Buyers for this 2 Bedroom 1 Bath house, with a lot of potential to renovate, flip or rent! Property is being sold ''As-Is'' with the right to inspect. No sight-unseen offers. In Panama Park/North Shore area. Close to downtown with the Trout River at the end of the street. Looking for a fixer-upper with lots of potential? This is a chance to gain some serious sweat

  Paige Kruger SIGNAL REAL ESTATE INC

  636 Lawton Ave, Jacksonville, FL 32208

Showing Results 401 - 440, Page 11 of 18